I'll readily admit I'm pretty clueless when it comes to cryptography, so there may already be some false assumptions in the question title itself :-)
Still, I "heard" that it is more secure to store the hashes of the username/password combinations than only the hashes of the passwords. (Salting?)
If so, are windows user passwords stored like this? (And if not, are they stored somehow differently that "only" the password hash?)